TellerScore

Headquartered in Jacksonville, Florida, Radifi Federal Credit Union is a federal credit union with $715.2M in total assets and $558.4M in member shares and deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1935.

Radifi Federal Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 82nd. Problem-loan coverage contributes the most (92/100, 4.1%); earnings contributes the least (44/100, 0.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.58%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.45%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity62/100
Loans ÷ shares: 98.0% · 5.7% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 62).

TellerScore
566267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202466
Q4 202465
Q1 202564
Q2 202563
Q3 202559
Q4 202556
Q1 202662
Q2 202662
Net worth ratio
7.00%8.84%10.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.69%
Q3 202410.61%
Q4 202410.57%
Q1 202510.14%
Q2 20259.95%
Q3 20259.28%
Q4 20259.33%
Q1 20269.52%
Q2 20269.58%
Delinquent loans (60+ days)
0.23%0.51%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.66%
Q3 20240.60%
Q4 20240.61%
Q1 20250.23%
Q2 20250.40%
Q3 20250.49%
Q4 20250.80%
Q1 20260.46%
Q2 20260.45%
Return on assets
0.11%0.38%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.54%
Q4 20240.47%
Q1 20250.11%
Q2 20250.29%
Q3 20250.28%
Q4 20250.35%
Q1 20260.49%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$715.2M9.58%0.45%0.60%98.0%
Q1 202662$706.5M9.52%0.46%0.49%94.1%
Q4 202556$711.6M9.33%0.80%0.35%95.8%
Q3 202559$704.9M9.28%0.49%0.28%96.4%
Q2 202563$652.4M9.95%0.40%0.29%90.9%
Q1 202564$632.4M10.14%0.23%0.11%87.0%
Q4 202465$605.3M10.57%0.61%0.47%83.6%
Q3 202466$599.2M10.61%0.60%0.54%84.1%
Q2 202467$590.5M10.69%0.66%0.65%82.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.58%
22nd
Problem loans0.45%
70th
Net charge-offs0.67%
22nd
Return on assets0.60%
39th
Loans to deposits98.0%
5th
Uninsured deposits5.7%
52nd
Loan-loss reserves0.00%
50th
Texas ratio4.1%
49th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
We Florida Financial Credit UnionCredit union Fort Lauderdale, FL68 out of 100, Moderate$700.5M10.7%0.65%vs
Innovations Financial Credit UnionCredit union Panama City, FL67 out of 100, Moderate$696.1M9.5%0.14%vs
Insight Credit UnionCredit union Winter Springs, FL58 out of 100, Moderate$629.1M10.2%1.13%vs
Floridacentral Credit UnionCredit union Tampa, FL56 out of 100, Moderate$621.8M7.8%0.69%vs
Champions First Credit UnionCredit union Tallahassee, FL60 out of 100, Moderate$540.7M10.8%1.27%vs
Tampa Bay Federal Credit UnionCredit union Tampa, FL52 out of 100, Below average$493.9M10.5%1.78%vs

Deposit insurance

Is my money safe at Radifi Federal Credit Union?

Yes. Radifi Federal Credit Union is a federally insured credit union (NCUA charter #340). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.7% of shares and deposits ($32.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.58%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Radifi Federal Credit Union lists 8 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Radifi Federal Credit Union
Type
Federal credit union
NCUA charter #
340
RSSD ID
39970
Primary regulator
NCUA
Established
1935
Headquarters
PO Box 2357, Jacksonville, FL 32232
Employees
130

Quick answers

Radifi Federal Credit Union: common questions

Is Radifi Federal Credit Union NCUA insured?

Yes. Radifi Federal Credit Union is a federally insured credit union (NCUA charter #340). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Radifi Federal Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Radifi Federal Credit Union have?

8 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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